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Ruth Johnson

Financial Advisor

 Office: 518.730.9243

 Cell: 518.300.0902

 Email: ruth.johnson@cunamutual.com

 1187 Troy Schenectady Road, Latham, New York 12110

Get to know Ruth.

Ruth has worked in the financial industry for over 20 years, and makes it a priority to continue her education with a focus on investment portfolio design and strategic financial plans. She joined the MassMutual Financial Group in 2007 where she specialized in life and disability insurance and became certified for the NYS Long Term Care Partnership program. She has also previously worked for an SEC Registered Investment Advisory firm. Ruth holds a certificate in Financial Planning from The College of Saint Rose.
How long you have worked in the financial planning industry?
After graduating from college, I worked various poisitions within the banking industry. In 2001, I became licensed for investments and learned how fixed annuities and mutual funds could help my customers save their money more effectively. I have been in the field for more than 20 years, and joined Life Stage Advisory as a Financial Advisor in 2019.
Why did you choose to work in the financial planning industry?
In 2004, while expecting my third child, I lost my mother in a horrific car accident. That tragedy presented me with questions that I could not answer about life insurance, long term care, and beneficiary IRA distributions. I felt helpless. That heart wrenching event motivated me to change direction; I left banking and became a student of the financial services industry, determined to help others avoid what my family had faced. 
What is your personal mission?
Every day is a new opportunity to bring my experience and passion to my work. My mission is to help families with complex financial decisions and work to better prepare them for what their financial future may hold.
Finish this sentence: “On a typical weekend, you can usually find me…”
Practicing yoga and spending time with my family. I find balance in my life through yoga. My greatest joy is being the best mom I can be to three energetic kids, two dogs, one cat, and a turtle. 
What is one piece of advice you would give someone who had a late start in retirement planning?
It's never too late to begin saving. Set a target of 10% of your gross salary to contribute to your employer sponsored plan, then have the employer match on top of that.
Sunmark Life Stage Advisors are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member  FINRA / SIPC , a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.

"The act of saving is much more important than what you are saving into."